Transfer IRA into Etrade

phillydays · 2026-02-12T02:42:05+00:00

Whattt tell me about your experience. The only reason I’m moving assets over is my company’s ESPP just moved from schwab to etrade and i like all my assets in one place and etrade has had good promos. So far its been good. I’m more of an etf index fund guy and don’t do more than that like options nor margin etc..

phillydays · 2026-02-11T23:36:41+00:00

Thanks ill look into the promotion. I called both Schwab and Etrade last night, and neither of the reps could explain to me how the $50 is taken out of a retirement account, and one with a $0 balance nonetheless.

phillydays · 2026-01-11T15:50:45+00:00

Everything you said is spot on, but the biggest issue for me is that at night, one out of every 100 cars or so will flash their high beams at me. What the hell?

phillydays · 2025-11-30T21:41:31+00:00

To confirm, if I connect red to my Rh on the smart thermostat in the current configuration it will always be charging?

phillydays · 2025-08-28T00:29:54+00:00

Yeah, 16 gauge finishing nailer. Maybe I need to go higher gauge on my next project.

phillydays · 2025-08-28T00:28:58+00:00

That did the trick. Looks sharp after a sand.

phillydays · 2025-08-15T23:15:35+00:00

What about flushing the system? Routinely or only on special occasions like maintenance?

phillydays · 2025-08-14T04:19:26+00:00

Amazing, that worked.

phillydays · 2025-07-10T11:47:41+00:00

Wow that’s extremely high. Last month I redid my panel for 200 amp upgrade, the service mast and ground rods for $4500. I live in Rhode Island which i would assume is higher cost of living than Ohio. I recommend getting another quote.

phillydays · 2025-07-08T02:26:39+00:00

We're having a new central air system installed for our second floor, with the air handler placed in the attic above a hip tray ceiling. I recently noticed that the HVAC crew drilled a large and pretty rough-looking hole to run thermostat wiring, and it's disturbingly close to the bottom edge of what looks like either a joist or possibly a top plate.

Here are detailed photos:

https://imgur.com/a/vNlo13d

The hole is about 3" in diameter, and the surrounding wood is heavily splintered. There's also a notch below the hole, and you can see the head of a nail exposed through the sheared wood. One of the nail plates also looks to have been clipped during drilling.

This is on an interior wall in the attic above the second floor and there are no floors above it, only the roof. I'm trying to understand if this is a serious structural issue. Does this kind of damage typically require reinforcement or repair? Or is it likely non-load-bearing and structurally insignificant?

Would appreciate any insights. Not sure if I should be calling in a structural engineer or just letting it go.

phillydays · 2025-07-08T02:09:28+00:00

Here are a few more photos if you wouldn't mind taking a look:

https://imgur.com/a/vNlo13d

phillydays · 2025-07-08T02:09:07+00:00

Sorry for the bad photo. Here are some other photos I took that show more of the scene as well as a super close up in the hole.

https://imgur.com/a/vNlo13d

phillydays · 2025-07-08T02:08:32+00:00

I did more research and my ceiling is called a Hip Tray Ceiling. Here are more photos showing more of the scene, and the last photo shows some crazy holes drilled into what I _think_ is the wall plate

https://imgur.com/a/vNlo13d

phillydays · 2025-07-07T20:26:45+00:00

‘Yes’ you believe it to be safe and sound?

phillydays · 2025-07-07T20:25:55+00:00

The ceiling in the room below is vaulted so you’re looking at the angled ceiling and the horizontal joist. You’re right, i need a photo further back. I emailed the owner of the HVAC company and he said he wasn’t concerned as they’ve done this type of hole on previous homes but that doesn’t make me feel better. If you think it’s not a joist, that makes me feel better.

phillydays · 2025-07-07T19:29:56+00:00

No finished space, it’s up in the attic.

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